Thanks, Annie & Corsair! Knowing about being post menopausal and all that stuff, I wonder if maybe we older women having thinner tissues in that area might be more susceptible. I haven't had any actual chafing--just feel tender at the end of a 60-80 mile ride. Maybe I should get some sort cream that will sorta numb the area?? What do y'all think? Has anybody tried anything like that. By the way, Annie, I have this visual of using too much Bag Balm! Thanks for any info/input.......